For assistance with presenting a case for wrongful foreclosure, please call 520-405-1688, customer service, who will put you in touch with an attorney in the states of Florida, California, Ohio, and Nevada. (NOTE: Chapter 11 may be easier than you think).

Editor’s Comment: Along with members of Congress and millions of homeowners I remain deeply disappointed in the failure of the Obama administration to grapple with the mortgage meltdown. The current path will lead to more of the same and it never does anything but escalate when somebody gets away with theft, fraud and PONZI schemes.

The prior so-called “review” process involved people who were neither independent nor skilled nor trained to find wrongful practices and the damage caused by those wrongful practices. They were given inadequate information by the banks who continue to hide the fake securitization scheme and PONZI scheme.

The agencies are complaining that it takes too long to process the review. Let’s see. If John Jones was foreclosed by somebody who had no right to do so on a loan that was unsecured and paid down to zero, and then he was evicted, just how long is too long for the agency to slam the offending bank? Are you kidding? What kind of double-standard are we setting up here? If I do it, I go to jail. But if a bank does it then it is an error and here is $2,000 for your trouble. Now under the new settlement agreement, if I do it, the agency is telling me to determine whether I committed a crime or civil theft. Yeah, I’ll get right back to you on that.

Obama and his administration continue to buy into the bank myth that these were bad lending practices instead of being intentional acts of fraud, theft, forgery and fabrication. They still think the loan receivables are “out there” somewhere but they have no evidence to substantiate that belief because there isn’t any. Those loan balances were paid down long ago.

The plain truth is right in front of them and there is no good reason to say that this task is too onerous for the regulators so we are just going to turn it over to the banks that were guilty of the wrong-doing. Does ANYONE really think that a bank is going to review its files and declare that a terrible injustice has been done?

Everything is tied to this mortgage mess. Consumers have been slammed with most of their wealth siphoned off by banks who were acting intentionally to screw the pension funds and the people who rely on those pension funds. The loan balances, if adjusted to reflect payments by insurance, credit default swaps and bailouts — all promised to the investors — are far less than anything demanded and in many cases are zero.

Nobody wants to give a windfall to the homeowner and nobody wants to give a windfall to the banks. But our government has decided that between the two, the banks ought to get it in order to preserve stability in the financial system. The stability of the financial system is, in my opinion, secondary to the stability of our economy. Our debt and deficits collectively and individually are all tied to the wrongdoing of about 2 dozen banks.

And I strongly disagree with the notion that the break-up of the mega banks will destabilize the financial system. When the dust clears, we simply won’t have banks that are too big to regulate, as shown in this review process. There is no evidence that clawing back the money for the pension funds that invested in fake mortgage bonds issued by fake investment pools will destabilize anything except the lives of some people who really need to go to jail.

Quite the contrary, putting the money back where it belongs with the pension funds and doing an accounting for the money in and the money out related to these mortgages will produce mortgage balances, without “forgiveness” that are far lower than demanded in foreclosure or end of month statements. Underwater homes will be a thing of the past, and mortgage payments can be adjusted to the real balances enabling the consumers in a consumer driven economy to spend.

Justice is more in this case than simply doing the right thing. It is a fiscal stimulus that does not cost one dime. If we can spend a trillion dollars on a war for the security interests of our country, then why can’t we spend 1/10 of 1% of that amount on following the money trail and determining the identity of the stakeholders, the amount of their stake and the terms of repayment?

The precedent here is dangerous. If “I am too important to go to jail” actually works as a defense, then we have changed the rule of law in ways that will haunt us for hundreds of years.

98 Responses

Posted for a friend. We are not legal counsiel therefore this is informational only.
1) Focus on subprime refinance – can extend from there. Almost all of these REMICs were subprime. And, almost all the subprime were refinances (new purchases came later but not to extent of refinances). Subprime refinances were NOT valid mortgage refinances. Neil uses the word “debt” — that is a correct word.
SUBPRIME REFINANCES WERE CHARGED OFF GSE LOANS TO WHICH COLLECTION RIGHTS WERE SOLD TO THIRD PARTIES.
They were loans removed from qualified GSE pass-throughs. These charged-off loans could NOT– by accounting or law — be “refinanced” — BUT, that is what a “subprime refinance” did. IT REFINANCED CHARGED OFF DEBT. Wrongly presented to borrower as a refinance, when in fact —- there can be no “refinance” on charged-off GSE debt. That is what subprime refinance was all about. Modification/restructuring of DEFAULT DEBT. No receivables involved — there are no receivables for collection rights. This is income — not receivables — a different part of accounting statements. This is why the subprime REMICs did not have to be funded. Neil always looking for the funding. No funding necessary on collection rights. NONE (except for any cash-out).

2) Correct to bring up the revocable trust. Someone OWNS the trust — for the benefit of pass-through recipients. But, ownership of trust itself — and any rights should they exist to legal documents are NOT passed through. Only CURRENT cash is passed through. The trust is/was owned by the Depositor — who is subsidiary of the bank that purchased the “loans” (actually collection rights). Sometimes this is not shown by a REMIC — but is evident in undisclosed “corridor” agreements.

3) Comment as to PSA and who “holds the strings” (claims Master Servicer) — is only partly correct. Remember, VALID securitization is a removable of receivables from balance sheet. As discussed above, there are no receivables in COLLECTION RIGHTS (subprime refinances). So PSA is bogus to begin with. But, assume the PSA is valid, for arguments sake. Then, in that case, receivables had to be removed from a balance sheet — someone’s balance sheet. Need to examine the Prospectus along with the PSA. PSA alone is not sufficient. This is because the Prospectus explains that “receivables” are converted to securities (the REMIC trust) — and who are the security tranches sold to by removal of so-called receivables to off-balance sheet REMIC?? The security underwriters. Thus, all receivables, if they are assumed to exist, are first sold to the security underwriter parent corporation (only one with a balance sheet), and then converted to securities sold to parent corporation’s security underwriter subsidiary (parent corp also owns the Depositor — who owns the trust). The strings?? Parent company of the security underwriter and Depositor. Master Servicer does hold the strings once default occurs. A default has no current cash pass-through unless the Servicer advances all payments to the trust. Thus, either Master Servicer advances, or default loan is removed from the trust. At removal, Master Servicer continues to service for derivative contract holders (derivatives not securities but, rather, a contract — a contract for purchase of collection rights to the default).

4) Who is servicer servicing for when default occurs? Of course, there was already default when the subprime “refinance” was originated. Except now there is no longer any current cash pass-through. So, what distressed debt buyer did the parent corporation (to security underwriter) sell the distressed debt collection rights to?? This is not a securities investor. 1) Derivatives are not securities 2) Collection rights are not securities. Is it an investor??? Yes , a distressed debt buyer investor. BIG difference between securities investor and distressed debt investor. Neil just never got this. VERY HARMFUL to not understand this. Master Servicer will not disclose distressed debt “investor” — they do not have to as by deregulation, there is no public disclosure. Have to make courts understand this. And, have to begin with the note is NOT a valid note. (also — government Private/Public Investment Program (PPIP) aided in disposal of collection rights to private entities in the program).

5) Agree — trustees do not even know their name is being used in litigation. OCC has warned trustees of this. Trustees should be suing Master Servicers.

6) We do not know who the creditor is — the distressed debt buyer is concealed by the Master Servicer. Some cases are now going forward with the distressed debt buyer disclosed. But, these cases claim the note is valid. Impossible to have a named distressed debt buyer with a valid note. Again, simple accounting – note is charged off — in fact, note was charged-off BEFORE the subprime refinance. All that transfers is assignment of collection rights. No different from credit card debt (footnote 35 to TARP Oversight Report).

7) NO RECEIVABLES. There were never any receivables for subprime refinance. NO FUNDING necessary — which is why the bogus REMICs were not funded. NO FUNDING.

This is all strictly related to subprime refinances. But, if you cannot understand what subprime refinances were — you cannot begin to understand the process.

(Neil should know this — he is MBA and JD. Needs to refresh some MBA accounting…he learned as to distinction between receivables and income –actually he probably learned before MBA).

The way I look at it, the FEDSTERS have stolen so much from us, they will manufacture anything to hide their criminality. These banks are their agents and they are going to do anything they can for their mob bosses to rob us into poverty. The real disgrace IMHO are the traitor politicians who are allowing this. The OCC is no doubt working psy ops for the FEDSTERS …They want to make us believe they give a shit, but this is another ruse by the owners IMHO….So far there have been no punishment for these crooks. Just Social Justice fixes for the biggest robbery of our wealth & property in history. Only WE THE PEOPLE can take it all back. No one is going to do that for us.

I read the order in part….more of the same….They renamed criminal fraud…… deficiencies … and are giving them a chance to clean up their act. Imagine that. What a crock. The OCC does not police these crooks, they cover up their crimes by calling them deficiencies. If it were any of us we would get destroyed. Forget Federal Agencies policing these crooks, they are their protection racket. Send in the U.S. MARSHALLS to arrest these crooks and hire private auditors to audit THEUR cooked books.

Well it’s about time. I don’t have much faith they will be criminally prosecuted but, this does bring credibility to our claims. Time for the fraudclosure victims of these crooks to be publicly vindicated, their hijacked or stolen property returned with just monetary compensation as WE SEE FIT….ABOLISH THE FED…& RESTORE OUR CONSTITUTIONAL REPUBLIC.

lOOKS LIKE money laundeing issues only. Whcih should send them to jail.We would be in the pockey in a flash. Like HSBC and Chase had no clue about this and are not a part of it. I will believe that one when pigs fly.

Thanks Abby, I hope his has something to do with the mortgages also. Still reading. Not just money laundering which is a big deal also. However just see if they are let off the hoolk again. We wont hold our breath.

It is all communist subversion tactics. For example, they will tell you some truth or try and make you feel sorry for them to make you believe one big lie. Like Geithner is a hero. Well no he is absolutely not. He is a wantoned criminal and FOX NEWS can only be considered a conspirator for trying to make the victims of this Globalist conspiracy believe Geithner is anything other than a wantoned criminal. It makes no difference who Obama appoints, the FED HAS HIJACKED THE U.S. TREASURY DEPARTMENT….THAT IS WHAT THE MEDIA & THE POLITICIANS ARE TRYING TO HIDE…..Geithner is a clever ruse for these Globalist crooks. Put an American in as Treasury head so the robbery looks legit…when the truth is Geithner works for the FED INVESTORS who robbed us AKA THE ILLUMINATI BANKING FAMILIES……Sheila Baird is another clever tool….blaming Geithner for our robbery when she knows full well he works for the FED INVESTORS…& SO DOES SHE. They all blame the Banks, the GSEs & Wall Street when they themselves work for the FED INVESTORS..and are themselves investors. The richest people in the world own this scam and what they want is our souls…complete communism is complete control. They now have the technology in place to render every single brainwashed American their slave if you believe their lies and most importantly, accept them. They could never pull this scam off unless you believe you owe them any money, let alone your property and your guns. They want to destroy you mentally, physically, emotionally & spirtitually… they want you at your most vulnerable, just like a predator in the jungle they will swoop in for the kill and try & force you to accept complete communism disguised as many things that include…making you believe you owe them your money, business,pension, HEALTHCARE, livelihood, property guns and freedom. They will tell you there is no God and Satan does not exist. They always criminalize both their perps and their victims and want us to feel sorry for them or grateful or indebted to them….DON’T BELIEVE THEM. They want to replace everything they stole with complete communism under many guises like saving the economy…..saving the environment….come on into global communism because we are all hopelessly indebted commies now…..OH HELL NO…!

FOX trying to humanize Tim Geithner by trying to make us feel sorry for his wife whose mother died of the c word at 25….While I feel sad for her loss, nothing changes the fact she is married to a Globalist crook and a New World Order Schill. There are 300 million Americans who have fallen prey to him and his Globalist idealog sheister crooks who have destroyed more lives and the physical, mental and spiritual health of more people than may ever be known. She knows pain under much different circumstances than what the American people have been fraudulently induced into. Her pain was not her fault but that does not excuse or forgive what her sicko husband has done. She is either brainwashed or part of the scam. Either way, she does not deserve to be given the spotlight on the public airwaves and be allowed to call that crook a hero. It’s worse than allowing a serial killers wife to call her husband a hero publicly because this is so deceptive, it is the face of evil. . Millions of Americans don’t even know he is no U.S. Treasury Secretary…he is a FEDSTER CROOK…A WOLF IN SHEEPS CLOTHES….HE IS A WELL PAID ACTOR PRETENDING TO BE SOMETHING HE IS NOT..THIS IS A NATUONAL DISGRACE…!

Maybe the fraudulently induced war on our Second Amendment was just what the sheeple needed to wake them up to the fact that what these FEDSTER crooks really want is our freedom. First they come for your signature with a fraudulently induced contract….what they are really coming for is your wealth…. then your livelihood,….
then your property….then they will keep robbing you into submission with infaltion/deflation and progressive taxation until you are broke and willing to accept all of their social justices fixes for fraud ….shitty jobs….rent everything…..no pension money just … social security pittances…..obamacare….MAKE NO MISTAKE….IT’S NOT JUSTICE….IT IS COMPLETE COMMUNISM…

All true Shelley…..the lobbyists who throw our stolen wealth around Washington like they own the place….Damned crooks & sheisters is all they are….. Scam artists….it is robbery and control by fraudulent inducement called Democracy…MEMES LIKE…Democracy Now….this is what Democracy looks like…….IS ALL B.S….that really means….COMPLETE COMMUNISM NOW & THIS IS WHAT COMPLETE COMMUNISM LOOKS LIKE…PEOPLE ARE DUMB AS A BOX OF ROCKS..

They fully intend to destroy our Constitutional Republic by making WE THE PEOPLE BELIEVE WE HAVE NO LEGAL RIGHTS…BIG LIE..DON’T BELIEVE THEM…DEMOCRACY IS A SHAM & A FRAUD…..IT IS A CORPORATE GOVERNMENT MEME …..DEMOCRACY IS A FRAUDULENTLY INDUCED FEDSTER DICTATORSHIP… STOP PARTICIPATING, COMPLYING, CONFORMING & COOPERATING WITH DEMOCRATIC FRAUD…

They will tell people “someone is owed” this money…BIG LIE….None of these entities ever lent us any money. They will tell you the property is the collateral when they never owned it in the first place. It’s all a scam by the FEDSTERS called CREDIT LENDING & INVESTING…THE FEDSTERS LENT NOTHING OF VALUE….BECAUSE THEY FULLY INTENDED TO DESTROY THE QUALITY OF THAT CREDIT….WALL STREET INVESTMENT BANK SCAMMERS SOLD INVESTMENTS IN NOTHING BUT A REVENUE FLOW THAT ONLY EXISTED UNTIL THEIR PONZI SCHEME FAILED. LIKE ENRONS & MADOFFS SCAMS FAILED….THIS IS ENRON & MADOFF ON STEROIDS….THEY WERE JUST THE TRIAL RUN AND THE PRECURSORS TO THE BIGGEST CREDIT & INVESTMENT SCAM EVER PERPETRATED ON THE AMERICAN PEOPLE IN HISTORY ….

Allow me to clarify….the FEDSTERS…THE POLITICIANS …AND THE ENTIRE GOVERNMENT CORP will NEVER TELL YOU WHAT THEY REALLY WANT IS…..They want you to BELIEVE THEY OWN EVERYTHING & EVERYONE..THEY DON’T WANT YOU TO KNOW THEY DON’T OWN ANYTHING………That is why they will tell you what they did was not criminal…… just reckless….Make no mistake IT WAS NOT ONLY HEINOUSLY CRIMINAL AND FELONIOUS…IT WAS DECEPTIVE AND INTENDED TO DO PERMANENT HARM TO WE THE PEOPLE & DESTROY OUR CONSTITUTIONAL RRPUBLIC..

So sadly true. People need to show up at the capitals and police the laws being made. I wish I could retire to do just that. They have us all working hard to survive so they can pass these laws without anyone noitciing, that take away our rights. Masses of people need to take turns being in the rooms in our capitals policing the politiciains and the judges in the court rooms.

The. FEDSTERS…the politicians and their criminal friends on Wall Street are never going to tell us they robbed us and are holding the U.S. TREASURY HOSTAGE…..nor will they tell you what they really want is our freedom which is our National Sovereignty..THEY WILL NEVER TELL US THAT THEY WANT US TO BELIEVE THEY OWN EVERYTHING & THEY OWN US…..THEY ARE LIARS & FRAUDS….DEMOCRACY IS A SHAM & A FRAUD….

Speaking about boldness. We had hurricane Sandy then Sandy Hill. Coincidence….? I don’t believe so. People are blind. The media dubbed Sandy ….FRANKENSTORM…..DUH….? They came right out and told us it was manufactured. Even Anderson Cooper didn’t put up a very good or convincing argument when internet bloggers were openly questioning the official story about Sandy Hill. Until we stop participating,, conforming, complying and cooperating with this shadowy private entity known as the FED, we will be hostages to it….Only WE THE PEOPLE have the power to abolish the monster known as the FED….

I wish you the best of luck Shelley with your case. I know how hard you have been working. I agree it is now an open secret the way they move around and change identities from politician to bank and other appointments is something none of us knew until this administration came along. They are emboldened and are not hiding their intent to control. Even the Obama appointment this time around, some people really believe he was elected. When Obama told the victims of Sandy that he and the Federal Government were offering help he publicly admitted he doesn’t work for us. There is a stark wakeup call coming the way of everyone who trusts these people. I believe many Americans will be walking out of their sham democracy and going back to our Original Constitutional Republic. It’s going to take a lot of strength and a lot of faith to get back to that. I have faith good will win. We are slowly aligning ourselves against them and against this global evil.

The banks are abusing the settlement with claims on money they would not have gained anyway on short sales and defiencencies which should never have been credit for the settlement, and now are exspected to be able to use this decieption in tax credits There is no end to the cirme. The cons and the lack of accountability. It always comes around to bite the tax funds.
Tax creduts for sanctions and settlements for wrong doing should not be allowed. PERIOD. They are felons and felons should lose rights.http://www.nytimes.com/2013/01/13/business/paying-the-price-in-settlements-but-often-deducting-it.html?_r=1&

I pull up How they steal your house on Mortgage servicing fruad site, then give them copies of robo signers and case law and articles I have to bring them up to spead, and a copy of Neils site and the fDCPA letter of dispute and objection letter and Cease and Desist and as them to take it all to a lawyer for help A freind who is in the mortgage business fighting for the good guys, asked a friend of his that should know this answer. Is there a way to stop a sale just days before he sale without an attorney, and the man told him yes by a cease and desist order. So many can not find attorneys or can not afford them. I search for good attorneys also. We have several here in WA now. There again they are not only battleing the banksters they are battleing the banksters goalees the judges blocking justice.

Forgot to tell you my ex attorney took my case on a contingency due to he said I had already done the hard work and the case was unbeatable, and he through an unbeatable case already won under that table on a contingency case. He called me just before he did the amendment and asked me if I would accept a million settlement and I told him that would not even purchase my land back, he said I did not think so , then committed his fraud on me. The judge through his hands in the air and said this is on a contingency case? Then reopened my case just to have another judge sign granting the non suit dismissal when I objected to the non suit dismissal on thecounter claim for 125,000.00 in attonreys fees. The court just made sure I did not owe my ex attorney the money but left me without compensation for my damages.

Just read the Chicago Tribunes sorry take on the fraudclosure review. Lie…after lie….Its like the bank investors wrote it. Lies like ….Most of these people just did not want to pay their bills…the percentage of really bad fraud is low like around…7%…! Only the most egregious cases like fraudclosed active duty service members will receive $125,000.00 OF STOLEN TAXPAYER MONEY….! Well la ti da…isn’t that special…? $125,000.00 OF U.S. TAXPAYER MONEY THE BANKS EXTORTED …AS A GIFT FROM….THE MALEFACTOR HIMSELF….! .All courtesy of the banks own FRAUDCLOSURE REVIEW team ….
players …like Price Waterhouse Cooper’s and Promontory Financial group …..WHO ELSE would consider EGREGIOUS CRIMINAL FRAUD refundable with $125,000.00…..and all of the rest of the criminally defrauded will receive a flat fee and a loan mod if they can qualify to be criminally defrauded again…..! Well…PASS THE EYE OF NEWT AND THE EVIL INCANTATIONS BECAUSE THATS JUST AWESOMELY EVIL….! Who would have ever thought the banks would NOT police themselves properly……? THE POLITICIANS OF COURSE….!!! The politicians who are also the investors who allowed the perpetrators of the crimes to police themselves….! WO…HO…HO…ITS MAGIC….! DIRTY DEEDS DONE FOR FREE….ON THE TAXPAYERS MONEY….! HOW CRIMINAL….DIABOLICAL…& MANIACAL OF THEM…! COULD WE EXPECT ANY LESS FROM A CRIME SYNDICATE FULL OF INSANE CRIMINAL INMATES WHO ARE RUNNING THE ASYLUM….? THE BEST PART……..SURE TO MAKE SATAN LAUGH WITH DELIGHT….THE CROOKS AREN’T GOING TO HAVE GIVE BACK ONE PIECE OF STOLEN PROPERTY… ! YES..IT’S A BANNER DAY IN HELL…AND MOST OF THE VICTIMS DON’T EVEN KNOW WHO ROBBED THEM OR HOW & WHY…..! How could that be possible….?……Here’s how….they believed the greatest lie ever told…. ….Satan doesn’t exist and they believed it…!

Occupy is a farce Christine…just like the Tea Party that never happened…. Anonymous is another one…we are legion…all hype ….. they are secret agents put in place to make us believe they are doing something. That will be the day they can hack into the FBIs website and shut them down…or BOFA or any of them…..Right…If it was that easy to breach bank security they would have shut them down a long time ago… The truth is, it is we the people that they want to control. Assange said he had the goods on BOFA but still hasn’t produced a damn thing…..YAWN…. What do we need them for…? They are the controlled opposition. They cannot protecting anyones legal rights and they can’t fight our battles for us. It is time we stood up for ourselves.

Like they said in the Shawshank Redemption….”they’re all in on it”…That’s right they are, the only difference is this prison is all in the mind. That is the real prison planet….what they can make us believe. That is why they are trying to criminalize us to cover up for their crimes. The accusers are of course in reality, the real criminals. They did precisely what they accused us of doing ….. that is how they create chaos and distract away from themselves…Professor Bill Black put it best when he told the Senate ……if they were going to be playing a game of 3 card monty with our mortgages on Wall Street, we should have been told that….and may I add their creepy shareholders and investors were the masterminds of the scam….the $600 trillion dollar Rothschilds and all their Globslist minions and cohorts. It was all about their evil quest for Global Domination…

I mean many do not get all aspects of this scam….who the enemy is….their methods and ultimate goal….people are waking up though…they aren’t scaaared….their pissed…funny how a war on the second amendment really gets peoples attention. Like taking away our guns in a land of insane criminals would protect us…The American people are now viewing the mainstream media, some in law enforcement..and the politicians as the lunatic fringe….now THIS IS WHAT A CONSTITUTIONAL REPUBLIC IS SUPPOSED TO BE…..ASKING QUESTIONS…..CALLING OUT THE LIARS…REVOLTING ON TYRANNY & OPPRESSION…WE THE PEOPLE ROCK..!

This is why Citizen Blogging is so important. I feel it is my patriotic duty, the least I can do is expose this evil. We need to keep up the good work Shelley because those who really get it are far and few.

I know where you are coming from Shelley. I am not exactly in the land of milk & honey in cook county Illinois… The attorney’s and the judges are commiserating against the people. I certainly do not mean Neil or a few others. The comoraderie is blatant between one particular woman judge and the bank attorneys. I have witnessed a couple attorneys who seemed honest abd made some noise in court….they made loud bold remarks in court..that they requested docs and got no response….one attorney said OUTLOUD…
I am becoming to think no mortgage exists….I was impressed…The judge ignored that remark. Another attorney told the judge …I want to ask for discovery..well if looks could kill he would have been dead. This is war…and the entities involved are endless. Only WE THE PEOPLE can invoke our Constitutional Rights….Its everyone for themselves pretty much…I have faith good will win.

The judges would not. The courts can easily be manipulated. You should see how my ex attorney manipulated my case, right under my nose and without a law degree or legal help to show me what he did, I would just have known somehow he did this to me. It took a friend in the legal profession to point it out to me. I just knew somehow he had taken money to do what he did. It actually took the judge, the opposition lawyers and my lawyer to unwind my case already won by default by the city and cause me to lose it by alleged default of the statutes of limitations. The city claimed I had not served them until Dec 29, 2006, when they were served Oct 7, 2006. The judge saw both docs of serving them by private carrier and certified mail dated October 9, 2006. Then accepted an amended complaint changing my whole case by my attorney that it took to do this to me. The first docs he did for me allowing my entire case won by default after the city answered a month late. It took my ex lawyer to file the amended cased change every statute from state statutes to federal statutes, which a judge in federl has the know or should have the know that if a case does not need federal law it stays in state court. and the judge had already seen the served docs and case and denied removal. Then grants removal per my ex attorneys amended case. Then my attorney sat back silently and allowed thecity to remove all my exhibits and served docs and case I had already won and hired my ex attorney to file the default because I did not know how to at the time. I started the case pro se. A web of deciet they weave. My legal freind is a lawyer for an indian tribe and her mouth dropped. She caught everythinng immediately and pointed out my attorney had thrown my case under the table and how. The last judge I went infront of told me I had proven breach in color against my attorney.

I have only had judges tell me that I am well within my legal rights to defend myself. I am not saying there is nothing improper here but, no attorney I have seen would question anything. That is the deception. Every state is a little different on procedure but the law is the law nationwide. A state statute is only valid until proven otherwise. Legal theories are not based in law or fact.

I don’t believe people are invoking their legal rights properly. Judges can’t and won’t waive your legal rights. I have never witnessed a judge do that to a citizen. The attorneys are doing that because they can’t invoke your constitutional rights for you. I have never saw a judge tell a citizen they have no legal rights.

Were the suits won against the servicers or the banks….? These servicers can’t even invoke the courts subject matter jurisdiction because they are third party debt collectors trying to collect a debt but can’t even say what the debt is….is it a security…NO…a security entitlement ….NO..It can’t by law be a mortgage contract because the notes don’t exist…..So these copies must be fraudulent at the presentment…. counterfeits and forgeries by IMPOSTERS who are fictitious payees….to gain unjust enrichment by deception they are subjorning perjury ….etc…

“He used wrong TILA section. He used 1641 (f) —- not 1641 (g). You can use 1641 (f) — but NOT without ALSO using 1641 (g) and accompanying Federal Reserve Opinion.”

Doe the FDCPA and WA CPA law protect you by the FDCPA letter of dispute afforded by the FDCPA? There is always a catch, and perhaps this mans lawsuit dd not open the right door, and the TILA law does not apply, but FDCPA law doe. The letter of debt dispute is not afforded by TILA, it is afforded by the FDCPA and two cases in Hawaii and one in Geogia were won by this very issue per FDCPA law.

In reality it is the FED SHAREHOLDERS….THE BANKS….WHO ARE FRAUDCLOSING ON BEHALF OF THEIR HIDDEN INVESTORS…..WHO ALL GOT PAID UPFRONT BY SELLING US CRAP THEY CALLED MORTGAGES AND UNJUSTLY ENRICHED BY OVERINSURING THE RISK THEY CREATED VIA WALL STREET FRAUD AND CREATED A QUADRILLION DOLLARS OF DERIVATIVES FRAUD WITH OUR SIGNATURES VIA WALL STREET.

The servicer can’t rescind a bill of credit they never issued. It is the Issuer of the Original bill of credit who has to rescind. In my case that would be a failed bank that now calls itself AMCORE BANK N.A., MERS……In my case, the servicer; who is an imposter with no legal assignment and is a fictitious payee who has joined me to sue AMCORE N.A. (A FAILED BANK) MERS…..to steal my house. It is all about the secrets, lies, fear & deception..that’s how they defraud us.

When our enemies can force us to accept things WE THE PEOPLE DO NOT WANT by investing and monopolizing in revenue flows to everything they DO NOT OWN because WE THE PEOPLE pay for them, that is not only criminal by its deception, that is complete treason by the politicians.

So there you have it, the Supreme Court declared Obamacare cannot be struck down, and they never even read it, because it would take a year or more to read it and digest it. In other words they are telling us, these politicians are complete communists and so are the majority of the Supreme Court justices. This is the way tyranny works and the appointed politicians and their appointees are dangerous, wantoned criminals who are forcing us into a complete communist dictatorship under the guise of doing something socially just and necessary…”you need our healthcare”…and that is because, healthcare is “too expensive” when theses tyrants are WHO control the healthcare companies and everything via Wall Street by investment.

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* Do you need loans to carry out large projects

– The First option which is by bank to bank transfer, loan
funds are transferred directly into your account with the aid of our
bank,

– As for the last option, a certified check is made out by our bank as a
draft, which can be cashed by clients anywhere in the world, it takes
4 working days to get to the applicant and 5 days for the check to be
cleared.

Bottom line….people will fall for anything when they don’t know the law….TILA IS NOT THE RULE OF LAW REGARDING PROPERTY RIGHTS……..ARTICLE 3 GOVERNS NEGOTIABLE INSTRUMENTS….ARTICLE 9 GOVERNS SECURED TRANSACTIONS….ARTICLE 8 GOVERNS INVESTMENT SECURITIES….ARTICLE 4 GOVERNS BANK DEPOSITS AND COLLECTIONS….THE PROSPECTUS IS GOVERNED BY THE PSA AND GIVES VERY LIMITED DUTIES TO SERVICERS. SERVICERS CANNOT BE TRUSTEES … ONLY THE TRUSTEE CAN BRING A FC…. SERVICERS ARE NOT ISSUERS OF THE BILL OF CREDIT….THE PERSON SHOULD HAVE SUED THE ISSUING BANK….NOT THE SERVICER…THEY ARE THIRD PARTY DEBT COLLECTION AGENCIES WHO ARE NOT EVEN QUALIFIED TO BRING A FC….

That was a bad ruling. The FEDERAL RESERVE BANK DOES NOT GOVERN WE THE PEOPLE…. The Supreme Court is the final word is what a Cook County, Illinois judge told the entire courtroom. So who is running the Supreme Court if their rulings are not being upheld nationwide in regards to property rights…? Obviously OBAMACARE is unconstitutional and illegal and you don’t need a fancy law degree to see tyrants and criminals have hijacked the greatest country on earth. Invoke your legal rights America….!

I, personally, felt that it was not such a bad development… for someone who doesn’t wait to be foreclosed on. In other words, that article kills TILA as a defense for the homeowner backed into the defensive.

However, if homeowner attacks the servicer first on that same TILA, the case cited can be used to kill servicer’s defense (i.e., I am only a servicer. Therefore, Tila doesn’t apply to me).

That’s one of the reasons I try not to jump to conclusions even when the ruling appear very unfavorable to the homeowners. It all depends on the context.

The TBTF GLOBALISTS want NO PRIVATE WEALTH OWNERSHIP….NO PRIVATE PROPERTY OWNERSHIP …..NO PRIVATE HEALTHCARE ..
.NO PRIVATE PENSION PLANS…NO PRIVATE BUSINESSES……..NO UNIONS…..NO RIGHT TO BEAR ARMS & NO SOVEREIGN NATIONS..THEY WANT A ONE WORLD RELIGION….SATANISM…..THEY WANT A ONE WORLD GOVERNMENT….TOTALITARIANISM …..A MICROCHIPPED GLOBAL SLAVE PLANTATION…..THAT IS THE NEW WORLD ORDER …..A GLOBAL BUNCH OF RICH INBREDS…A SATANIC PEDOPHILE RING WHO WANTS TO STEAL EVERYTHING FROM YOU & LIE AND TELL YOU THEY OWN EVERYTHING….AND THEY OWN YOU WITH THE DEBT THEY CREATED OFF YOUR NAME..

DID YOU READ IT CHRISTINE….? NO…BECAUSE IF YOU DID YOU WOULD HAVE KNOWN IT IS 2700 PAGES …..WITH 9000 PAGES OF FEDERAL REGULATIONS…..WHILE WALL STREET & THE BANKSTERS ROB US INTO POVERTY WITH TBTF….GOOGLE IT AMERICA….HOW MANY PAGES ARE IN OBAMACARE….? DOCTORS HAVE SAID OBAMACARE IS GLORIFIED MEDICARE…THEY WANT NO PART OF IT. OBAMACARE IS FORCED PLACED TYRANNY….OBAMACARE IS ITS OWN GOVERNING BODY..AN ATTACK ON OUR INFRASTRUCTURE…..THE TRAITORS IN CONGRESS PASSED A 2700 PAGE BILL WITHOUT EVEN READING IT…SCREW THEM TOO.

The media reported yesterday the price of private healthcare is going through the roof. That’s right America the reason…….Only the very rich will be able to afford private healthcare. It is FORCED PLACED HEALTH INSURANCE……& THE SUPREME COURT THREW AMERICA UNDER THE BUS…..THE U.S. CONSTITUTION GAVE NO SPECIAL POWERS TO THE FEDERAL GOVERNMENT….. Kudlow tonight said in the OBAMACARE BILL…..Doctors have to ask you if you have a firearm and if you are not registered you will be reported to the cops. Screw them.

So, obviously and as usual, she hasn’t read it, hasn’t even obtained a copy of it (which can be requested, free-of-charge, from the government) and she is shooting from the hip which, by now, we all know to be extremely large since that’s all she does. Big mouth and large butt.

Come to think of it, sheep and cows are implanted with chips. That would explain everything…

There are actually 2700 hundred pages in the Obamacare Bill….justices complain it is too much for them to comprehend. There are 9000 pages of FEDERAL REGULATIONS regarding OBAMACARE….IT IS A TYRANNY……GOOGLE THE WORDS…HOW MANY PAGES ARE IN OBAMACARE…..OBAMACARE WILL LITERALLY DEVOUR OUR FREEDOM IF WE ALLOW IT.

There are exactly 906 pages in Obamacare. Not 950. Not 1,000. Just 906 in the Authenticated US Government Information original law published by the GPO on March 23, 2010.

It is organized in chapters, articles, paragraphs and sub-paragraphs. Anyone with two ounces of education and half a brain knows not to talk about page number in such an exhaustive and extensive document, especially considering that page numbers WILL differ based on the edition.

I hereby officially challenge the moron of service to come up with the exact text, including chapter, paragraph, sub-paragraph and section about the alleged “microchip”. It should be an easy cut-and-paste job for someone claiming to have done “extensive” research.

I live in MD and I searching for a law group or individual attorney who understands how to take on BOA. I really need help. please. I have been advised that my documents are in fact incorrect and fraudulent in nature. Legal Aide isn’t helpful I am reaching out … can anyone suggest legal counsel in MD Respectfully JamesJFormanek

9th Cir. – TILA does not require a loan servicer to identify the loan’s owner‏

10. January 2013 by admin.

TILA does not require a loan servicer to identify the loan’s owner

· Foley & Lardner LLP
· Patrick T. Wong
· USA

· December 31 2012

· gale-v-first-franklin1.pdf

· The Ninth Circuit recently sided with a loan servicer who was sued by a borrower for failing to provide him with the loan owner’s information. In Gale v. First Franklin Loan Services et al., 686 F.3d 1055 (9th Cir. 2012), amended, 2012 U.S. App. LEXIS 18545 (9th Cir. Aug. 31, 2012), the Ninth Circuit held that a loan servicer is not required under the Truth in Lending Act (TILA) to disclose the owner of the loan obligation to the borrower even at the borrower’s request. The only exception is when the loan servicer is also the assignee-owner of the loan.

The Plaintiff borrower in the case was Richard Gale. In November 2006, he refinanced his home mortgage loan with Franklin Loan Services (“First Franklin”). At the time, First Franklin was both the creditor and servicer of the loan. In June 2008, Gale lost his job, and consequently, he fell behind his mortgage payments. Seeking to renegotiate his loan, Gale sent a letter to First Franklin explaining his situation and offering solutions. In his letter, Gale also asked First Franklin for the identity of the “true owner” of his loan. First Franklin did not respond to Gale’s letter. Ultimately, Gale’s home was foreclosed when he continued to fall behind his mortgage payments. Gale subsequently sued First Franklin and others for violation of TILA, among others. The trial court dismissed the TILA claim, and the Ninth Circuit affirmed.

As it concerns the alleged violation of TILA, the issue before the Ninth Circuit was the last sentence of TILA, 15 U.S.C. section 1641(f)(2), which states, “Upon written request by the obligor, the servicer shall provide the obligor, to the best knowledge of the servicer, with the name address, and telephone number of the owner of the obligation or the master servicer of the obligation.” The Court acknowledged that at first read, this sentence seems to apply to all creditors or servicers, but the Court ultimately rejected such a sweeping interpretation of the law. Instead, the Court noted that section 1641 does not apply to servicers in general, but only to “purchasers or assignees of mortgages.” Furthermore, the Court also held the section did not apply to an assignee merely for administrative convenience, as opposed to an assignee-owner of the loan obligation. As First Franklin was the original lender and merely the servicer, the Court held that the section did not apply to it. In reaching its conclusion, the Court examined section 1641 “as a whole before focusing on paragraph (f)(2)” and found that, contrary to what section 1641(f)(2)’s text may suggest, section 1641 is limited in scope to a servicer who is “an assignee of such obligation…” The Court also noted that the section further excluded an assignee “solely for the administrative convenience of the servicer in servicing the obligation.” The Court concluded that subsection (f) must be read “in keeping with the theme of § 1641 as a whole…”

The Gale decision does not necessarily foreclose any relief to borrowers who find themselves in the same situation as Gale. As the Ninth Circuit pointed out, the 2010 amendment to the Real Estate Settlement Procedures Act (RESPA) required that all servicers must respond to a borrower’s request for information, although such requirement only applies prospectively from 2010. There may also be state law requirements that are broader than those required under TILA. For example, beginning January 1, 2013, California’s so-called Homeowners’ Bill of Rights comes into effect, which defines a “mortgage servicer” much more broadly than TILA’s section 1641. Thus, it is critical that owners of mortgage loans, lenders, and loan servicers are aware of the various other federal and state laws that may or may not require the same sets of obligations.

I am Rose McGee. Please support me in my effort to get CitiMortgage and Fannie Mae to allow me to stay in my home. I am like you; I have worked hard all of my life. I have contributed to my community. I pay my taxes. I tried to live out the American dream by buying a house. I have lived in my home and paid my mortgage for almost 20 years.

And like some of you I am middle aged and have raised my children in my home. It is the source of my fondest memories, children growing up, backyard barbecues, basketball games in the yard, graduation parties. For nearly 20 years it has been my home.

Unfortunately like many other Americans I was laid off from a job I loved. When I regained employment, CitiMortgage promised to work with me to modify my loan–but at the same time as they were reassuring me that they were going to work with me, they sold my home from under me. Citi says Fannie says they will not re-instate my mortgage. I can pay, I am working, but they don’t want my money. Instead, Citi and Fannie are putting me out of my home that I have worked so hard for.

I don’t understand why they aren’t sympathetic to my plight. After all, the government bailed them out and gave them our tax dollars when they needed help.

“The trial court improperly granted summary judgment in appellees’ favor because it failed to consider the initial determination of whether the county treasurer had standing to foreclose on appellant’s property. Where a foreclosure sale is invalid and no title at all passes to the purchaser, such constitutes more than an irregularity or omission and renders the entire proceeding void. Lack of standing at the outset of litigation cannot be cured by receipt of an assignment of the claim or by substitution of the real party in interest.

{¶28} Accordingly, Davet’s assignment of error is sustained.
{¶29} Judgment reversed and cause remanded to the trial court for a determination
of the validity of the Foreclosure Decree.
It is ordered that appellant recover from appellees costs herein taxed.
The court finds there were reasonable grounds for this appeal.
It is ordered that a special mandate issue out of this court directing the common
pleas court to carry this judgment into execution.
A certified copy of this entry shall constitute the mandate pursuant to Rule 27 of
the Rules of Appellate Procedure.
SEAN C.

Reverse mortgages are a sin. Those crooks are going to burn in hell for that … taking advantage of the elderly is the most despicable thing ever. My husband & I were on the elevator at the Daley Center after court and heard an elderly man ask his attorney, do you think the bank will give me a loan modification….? The attorney told him, I don’t know and seemed aggravated with the question. My husband told the elderly man, ask them for the note.

WASHINGTON — Federal regulators for the first time are laying out rules aimed at ensuring that mortgage borrowers can afford to repay the loans they take out.

The rules being unveiled Thursday by the Consumer Financial Protection Bureau impose a range of obligations and restrictions on lenders, including bans on the risky “interest-only” and “no documentation” loans that helped inflate the housing bubble.

Lenders will be required to verify and inspect borrowers’ financial records. The rules discourage them from saddling borrowers with total debt payments totaling more than 43 percent of the person’s annual income. That includes existing debts like credit cards and student loans.

CFPB Director Richard Cordray, in remarks prepared for an event Thursday, called the rules “the true essence of ‘responsible lending.'”

I watched a segment of Piers Morgan last night on the gun debate. The guest kicked his largesse royal rearend on the Constitutional argument and said we have a Constititution and they put the Second Amendment up on the screen. The judge in court last month said the Supreme Court is the final word. If that’s the case than why are we in fraudclosure court…..? Deception, that’s why.

This is a criminal hostage situation by the FEDSTERS Louise. We need to invoke our Constitutional Rights wherever needed. The last thing these crooks want is for us to start telling everyone we have no Constitution.

The plan is to medichip everyone by 2014. They want to weaken us that severely by 2014 to force us to accept the RFID chip…It is already in our drivers licenses and everything we use. That is why the put it in our pets first. They always tell you in some subtle way what they are planning.

They closed all the mental institutions and are refusing healthcare to the uninsured, all while they rob us of all of our wealth and freedom and they have unleashed illnesses on all of us and now they want our guns. They want the guns because that will be the day they tell us.WE OWN YOU….and WE OWN EVERYTHING…Now accept complete communism……OBAMACARE & THE MEDICHIP FOR YOUR OWN GOOD & THE GOOD OF MANKIND…. or off to the internment camps you go…Well the antichrist is here so NEVER give up your guns…

The truth is, and what they are really hiding is, the FRAUD IN THE FACTUM….THE ORIGINATION FRAUD….There is no legal fix for that and there is no monetary fix for a Quadrillion dollars in derivatives fraud created by Wall Street. We could have never had knowledge of any of this. Even those most harmed by these crooks believe the manufactured bullshit. Forget the cops, send in the Exorcist.

While I’ve always respected Neil Garfield’s knowledge and especially his seeming prescience about these affairs, having figured this scheme out years ahead of everyone else, I’ve never been able to square up his notion of uniting investor and borrower into some kind of a new marriage. The original contracts are fraudulent, and not worth the paper they’re printed on. There never was a meeting of the minds. So…..we’re supposed to recreate this entire Ponzi scheme from the ground up, for whose benefit? I don’t see how that could work.

The only way this situation can be remedied is for the FEMA camps to open their doors wide accepting Wall Street’s inhabitants by the tens of thousands, maybe more. Throw in half if not all of congress while we’re at it. Even the so-called commander in chief gets a set of matching bracelets. Destroy the FED. Burn the mortgages then have a kegger.

Bernanke/Geithner are really one in the same as is Obama, the majority of CONgress and the Senate the DOJ….ALL FED INVESTORS WHO WORK FOR THE FED INVESTORS. THE INTENT TO DECEIVE THE AMERICAN PEOPLE TO HARM THE AMERICAN PEOPLE IS CRIMINAL IN THE U.S.A….

Well, surprise, surprise…! This is precisely why the FEDSTERS were allowed by the traitors from within to SWITCH POSITIONS WITH THE TREASURY… hijack the Treasury STEAL $60.4 TRILLION OF OUR WEALTH and buyback all of their own fraud with more STOLEN U.S. TAXPAYER MONEY………Next thing they are going to tell us they own it all and they own us…. WELL, NO THEY DON’T…but, if you believe them, that will be the end of your freedom and you are never getting it back. These people are very deceptive and completely batshit criminals.

Why Wasn’t Jamie Dimon Given The Bum’s Rush By The NY Fed?
January 10, 2013 By Steve Dibert Leave a Comment
Like A Party Guest That Won’t Leave, Dimon Finally Leaves New York Fed

Steve Dibert, MFI-Miami

Jamie Dimon leaves the NY FedSix months after being shown the door, JPMorgan Chase CEO Jamie Dimon has finally left the Board of Directors of the Federal Reserve Bank of New York. [About time!!!]

In May, a fierce debate erupted within the NY Fed about what the public perception of them would be following the “London Whale” scandal that caused JPMorgan Chase to take a $2 Billion loss.

Then-U.S. Senate Candidate Elizabeth Warren (D-MA) was quoted in American Banker as saying,

“After the biggest financial crisis in generations, the American people are frustrated that Wall Street has still not been held accountable and does not appear to consider itself responsible. Dimon should resign from his post at the New York Fed to send a signal to the American people that Wall Street bankers get it and to show that they understand the need for responsibility and accountability.” {Go girl!]

The various Federal Reserve Banks have always tried to strike a balance between keeping the private banks the Fed regulates at arm’s length, while also working closely with them to retreive the information it needs to make monetary policy. Even U.S. Treasury Secretary Timothy Geithner, a former Chairman of the Board of Directors of the Federal Reserve Bank of New York expressed concern over the public perception [Problem? With perception? Surely, Timmy, you must be joking] of the Federal Reserve System being too cozy with JPMorgan Chase and called for Dimon’s resignation from the board saying,

“The perception is a problem and it’s worth trying to figure out how to fix that.” [It could have been fixed 5 years ago. Does jail mean anything?]

Contrary to what would have been the delight of the many fine people who despise him, Dimon was not given the bum’s rush by other board members. Instead, Dimon unceremoniously departed when his term expired December 31st. A spokeswoman for the NY Fed downplayed any controversy by the board by saying, “Its board members customarily step down after serving a maximum of two three-year terms” [Long enough to cause irreperable damage!]

No deadline has been set by the New York Fed’s nominating committee to recommend a replacement for Dimon. [No need to replace him. Just dissolve that damn thing once and for all!]

According to American Banker, Dimon was one of three Class A directors, who are elected by member banks to represent their interests. The board’s other six directors represent the public. The two Class A directors currently on the New York Fed’s board are Richard Carrion, the chairman and CEO of Popular Inc. and Paul Mello, the president and CEO of Solvay Bank.

JPMorgan Chase & Co. (JPM) sold $35 million of one-year notes linked to the price of gold, the bank’s largest offering tied to the precious metal in at least three years.

The securities, issued Jan. 2, yield three times the gains of the price of gold in London up to 15.6 percent, with no protection against losses and all capital at risk, according to a prospectus filed with the U.S. Securities and Exchange Commission. The metal’s price increased 8.3 percent last year in London.

The bank sold $82.4 million of notes tied to gold in eight offerings last year, according to data compiled by Bloomberg. New York-based JPMorgan issued $27.8 million of one-year securities on Oct. 26, the next-largest deal since 2010, when Bloomberg began collecting comprehensive data on U.S. structured notes.

Elizabeth Seymour, a spokeswoman for JPMorgan Chase, declined to comment on the latest offering or future gold notes.

Banks create structured notes by packaging debt with derivatives to offer customized bets to retail investors while earning fees and raising money. Derivatives are contracts whose value is derived from stocks, bonds, commodities and currencies, or events such as changes in interest rates or the weather.

“The U.S. investigators at the center of the international probe into the manipulation of interest rates may not be who people would expect — and they are far from done with their work.

The FBI’s Washington field office, known for its terrorism and public corruption work, is conducting the U.S. probe into the rigging of benchmarks including the London Interbank Offered Rate. Their work has led in part to two international resolutions secured in the investigation, including the $1.5 billion settlement with UBS AG in December and charges against two of the bank’s former traders.

The settlement, which also included a guilty plea from the company’s Tokyo subsidiary, and the investigations into banks and traders across the globe underscore the priority attacking “major fraud” has become for the office, Timothy Gallagher, the head of the Washington criminal division who is overseeing the probe, said in an interview.

“We’ve got an enormous amount of resources devoted to this,” said Gallagher, who took the helm of the criminal division in October after a period as the chief of the Financial Crimes Section at FBI headquarters. ”